Fixed Deposit Premature Break Calculator
Should you break your existing FD to reinvest at a higher interest rate? Fill in your deposit parameters below to visualize the profitability curve.
FD Configuration Parameters
Fill in your current Fixed Deposit details, premature break information, and the new reinvestment rate.
1Original FD Setup
Maturity: 27 Mar 2027
2Premature Break
Auto-calculated from slab rates. Edit the Rate Slabs table below to change this.
3New Reinvestment ROI
We will reinvest your premature payout in a new FD at this rate for the remaining duration.
Interest Rate Slabs Configuration (Optional)Active▼
Automatically lookup Elapsed ROI based on how many days the FD was active.
| Min Days | Max Days | Rate (%) | Actions |
|---|---|---|---|
📌 How to choose the Revised ROI for the Elapsed Period?
The Elapsed ROI must be chosen carefully as per your bank's rules. It is generally the lower of the two rates applicable for the elapsed period, as on:
- (I) Today — the date you are breaking, extending, or taking the FD before maturity.
- (II) Original FDR Date — the date when the Fixed Deposit was originally created.
✦ Touch the graph below for more information on how breaking at different points affects your returns.
Recommended: Keep Original FD
Breaking your FD right now isn't in your favour — you'd walk away with ₹1,705 less than if you simply held on till maturity. Sit tight and let your current FD run its course.
Option 1: Hold Current FD to Maturity
(If you do not break your FD and keep it as is)
Option 2: Break & Reinvest Today
(Close early, receive payout, and reinvest at the new rate)
Break-Even Threshold Window
Breaking on/before 29 Jan 2026 yields a profit. Your proposed break date is 20 Jun 2026, which is UNPROFITABLE.